• I’m out of the loop on this one and I’m probably the minority here but big banks would probably incorporate this whole WEI thing but wouldn’t smaller institutions like credit unions opt out? I apologize for my ignorance, I haven’t looked into this at all. This is the first time I’m hearing about WEI and I’m trying to garner some sort of and idea of what it is via comments rather than reading an article about it like a regular human being.